If more people followed Dave Ramsey's "baby steps" we wouldn't be in need of such a drastic bailout. It isn't only the government that lacks fiscal responsibility.
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www.daveramsey.com
Do you realize how many people have to eenie-meenie-miney-mo in order to choose which bill they won't pay this month because they haven't got enough money? I'm not talking about folks in a McMansion in suburbia with three cars and five credit cards. I'm talking about the exact same people who work as waitresses and short order cooks and clerks in retail stores; the ones who have been knocked out of work by this.
When I was a young pink collar worker raising a kid alone I tried a Christmas Club once. I ended up spending it all on groceries and bills. Some people just don't have it to save. Professionals making a decent income, sure, it's great advice. But they're home working on their computers and collecting their salaries.
It doesn't matter as long as they get to play their games and get all they desire.
Who is this "they" you speak of?
"They" being any who believe that "they" are entitled. This includes, Banksters, certain fund managers, royals who believe the rest are peons, corrupt individuals and groups who have positioned and place themselves above the people with and for their international slush funds. Then you have the people like the congressional members and senators who are willing to sell their own stocks and stuff their pocketbooks and give themselves raises while telling everyone else to suck it up, fascism and eugenics is okay as long as we are the ones who get to tell others what they can or cannot do. The list goes on.
One could also call them the spiritually dead and those who sleep in th edust of the earth who are ruled by powers and principalities of darkness who have given themselves over to it.
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